LTV · monthly repayment
▼ 0.50% · 3.625%
HK$88,975
−HK$5,580/mo
▼ 0.25% · 3.875%
HK$91,743
−HK$2,812/mo
Today · 4.125%
HK$94,555
baseline
▲ 0.50% · 4.625%
HK$100,308
+HK$5,753/mo
Deposit HK$19.51M · loan HK$19.51M · min. income ≈ HK$189,110/mo (50% DSR)
Upfront cash ≈ HK$21.17M (deposit + AVD stamp duty HK$1,658,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,984
−HK$5,348/mo
▼ 0.25% · 3.875%
HK$101,639
−HK$2,693/mo
Today · 4.125%
HK$104,332
baseline
▲ 0.50% · 4.625%
HK$109,831
+HK$5,499/mo
Deposit HK$19.51M · loan HK$19.51M · min. income ≈ HK$208,664/mo (50% DSR)
Upfront cash ≈ HK$21.17M (deposit + AVD stamp duty HK$1,658,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,770
−HK$6,696/mo
▼ 0.25% · 3.875%
HK$110,091
−HK$3,375/mo
Today · 4.125%
HK$113,466
baseline
▲ 0.50% · 4.625%
HK$120,370
+HK$6,904/mo
Deposit HK$15.61M · loan HK$23.41M · min. income ≈ HK$226,932/mo (50% DSR)
Upfront cash ≈ HK$17.27M (deposit + AVD stamp duty HK$1,658,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,781
−HK$6,417/mo
▼ 0.25% · 3.875%
HK$121,966
−HK$3,232/mo
Today · 4.125%
HK$125,198
baseline
▲ 0.50% · 4.625%
HK$131,797
+HK$6,599/mo
Deposit HK$15.61M · loan HK$23.41M · min. income ≈ HK$250,396/mo (50% DSR)
Upfront cash ≈ HK$17.27M (deposit + AVD stamp duty HK$1,658,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,565
−HK$7,812/mo
▼ 0.25% · 3.875%
HK$128,440
−HK$3,937/mo
Today · 4.125%
HK$132,377
baseline
▲ 0.50% · 4.625%
HK$140,431
+HK$8,054/mo
Deposit HK$11.71M · loan HK$27.31M · min. income ≈ HK$264,754/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,658,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,578
−HK$7,486/mo
▼ 0.25% · 3.875%
HK$142,294
−HK$3,770/mo
Today · 4.125%
HK$146,064
baseline
▲ 0.50% · 4.625%
HK$153,764
+HK$7,700/mo
Deposit HK$11.71M · loan HK$27.31M · min. income ≈ HK$292,128/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,658,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,155
−HK$10,043/mo
▼ 0.25% · 3.875%
HK$165,137
−HK$5,061/mo
Today · 4.125%
HK$170,198
baseline
▲ 0.50% · 4.625%
HK$180,555
+HK$10,357/mo
Deposit HK$3.90M · loan HK$35.12M · min. income ≈ HK$340,396/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,658,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,171
−HK$9,626/mo
▼ 0.25% · 3.875%
HK$182,950
−HK$4,847/mo
Today · 4.125%
HK$187,797
baseline
▲ 0.50% · 4.625%
HK$197,696
+HK$9,899/mo
Deposit HK$3.90M · loan HK$35.12M · min. income ≈ HK$375,594/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,658,342 · Scale 2, in force from 26 Feb 2026)